Bank · FDIC insured
Farmers & Merchants Bank Savings Rates
Farmers & Merchants Bank’s best savings rate is 0.25% APY on $10,000, with its Saving Accounts. Rates checked October 22, 2026.
How Farmers & Merchants Bank’s savings rates compare
Compared with banks and credit unions near Anniston, AL, where Farmers & Merchants Bank has the most branches. $10,000, best rate first.
This bank’s best
Farmers & Merchants Bank
0.25%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $25
Saving Accounts
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
Southern Energy Credit Union
2.25%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $225
Farmers & Merchants Bank savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Farmers & Merchants Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Wall Street
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.25% | $25 |
| $50,000 and up | 0.30% | — |
Sources (1)
- fandm.bank/rates · captured Sep 19, 2026
Saving Accounts
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- fandm.bank/rates · captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.